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License # M20000119 | Broker 12503 | 905-264-8444

First Time Home Buyers

Are You A First-Time Home-Buyer?

If you’re a first time home buyer, the buying process is both exciting, and full of unknown factors that can be a bit daunting. I get it. You’re about to take a big step so you’ll definitely need some advice from a mortgage professional. I’ll help you find the best rates and best mortgage options, keeping you on track to buying your first home. 

I’ve listed the steps I feel you should be aware of, when buying a home. I hope this helps get rid of the fear of the unknown. As a first time home buyer, there will be some challenges along the way.


At this point, you already know what area you want to be in. Now is the time to work with a Mortgage Agent, to get an idea as to what monthly mortgage payments will look like, and how much you can afford.


At this point, your Agent can help you go through all of our great rates and mortgage options, We'll show you both traditional and innovative mortgage options that'll suit you're unique needs.


This is a big one. Pre-approvals will guarantee your mortgage rate for up to four months. This step also allows real estate agents, and the selling home owner know - that you're serious about your offer.


Now that you've found your desired home, your real estate agent will put together a purchase offer on your behalf. Upon closing, you have 7 days to complete a home inspection, by a home inspector and to finalize your financing.


Home owners insurance, Land transfer and Property Taxes's, Home inspection, and Lawyer fee's. These are all cost to factor in your budget.


Your lawyer will have the finalized paper word a few days before closing. This is where you sign the necessary documents, pay the down payment and all of the additional costs (as mentions in the previous step).


You did it! You bought your house! On closing day, the title of the home will be transferred to your name, and you can grab your keys. All that's left at this point is to smile big for the camera, with your keys in hand!

Need a Pre-approval before you go house hunting?

Find out how much you can afford before you go house hunting! This will save you time when shopping for homes within your price range. If you qualify for a pre-approved mortgage, you’ll be certain of the size of mortgage for which you qualify and guaranteed a rate for a specific period of time. If you don’t qualify for a pre-approved mortgage, we will be able to help you estimate a mortgage-qualifying amount. 

You gain so much power by simply being informed. So connect with me today, and I’ll get you started

first time home buyer, Investment & Recreational Property

Connect with me now, and I’ll help you come up with a strategic game plan, that’ll both repair your credit – and allow you to sleep a little better at night.